Financing

Financing built for convenience and fuel retail.

Acquisition, development, and SBA financing for C-stores and convenience retail, sourced through a network of lenders who actually understand the asset class and the environmental risk.

Talk financing SBA 7(a) guide

Your options

The right capital for the deal in front of you.

Many banks avoid C-stores because of underground storage tanks and environmental liability. We work with lenders who specialize in the sector, so financing is a path forward rather than a dead end.

SBA 7(a)

The workhorse for owner-operators. As little as 10% to 15% down, terms up to 25 years on real estate, and rates recently around 9% to 11.5%.

Conventional

For stronger balance sheets and portfolios. Typically 30% to 40% down, faster for experienced operators with banking relationships.

Private & bridge

When speed or structure matters. Higher leverage options for the right deal, bridging to permanent financing.

By the numbers

C-Store financing in 2026.

10%+

SBA equity injection

25yr

Max SBA real-estate term

11.5%

Typical top of SBA rate

30d

Fastest close (well-prepared)

Figures are general market ranges for 2026, not a quote. Terms depend on the deal, the borrower, and the lender.

Get started

Let's get your deal funded.

Tell us about the C-store and your situation. We will point you to the lenders and structures that fit, and help you get to a clean close.

info@eaglenestpg.com

FAQ

Financing questions

What down payment do I need to buy a C-store?

With SBA 7(a), a special-purpose property like a C-store usually requires a 10% to 15% equity injection. Conventional financing typically wants 30% to 40% down. See the SBA vs conventional comparison.

Why do banks avoid C-stores?

Underground storage tanks create environmental liability under CERCLA, which makes many conventional banks cautious. Specialist and SBA lenders are comfortable with it when the environmental work is done correctly.

How long does financing take?

SBA loans generally close in 30 to 90 days and conventional loans in 30 to 60 days. A complete, well-documented file is the single biggest factor in speed.

Do I need a Phase I environmental report?

For SBA-financed fuel deals, yes. A Phase I Environmental Site Assessment is generally required, typically costing $1,800 to $3,500. Read the Phase I guide.